Every claiming calculator assumes you'll live to the actuarial average. Almost nobody lives exactly to the actuarial average. The real question isn't 'what's the break-even age?' — it's 'what happens to your spouse if you're wrong?'

Claiming at 62 locks in a permanently lower benefit and, more importantly, a permanently lower survivor benefit. Claiming at 70 does the opposite. If one spouse has meaningfully longer life expectancy — family history, current health, gender — the higher earner delaying is often the single highest-return decision in the whole retirement plan.

The uncomfortable part: you have to actually talk about which of you is likely to live longer. Most couples never do. The ones who do it once, calmly, in their early 60s, tend to make better decisions than the ones who avoid it until 69.